Internet and Phone Banking

interest rebate

Every year, an interest rebate is calculated on our Everyday Loan, which means we refund you a percentage of the interest you paid throughout the year.

Electronic Fund Transfer

Members can avail of our EFT service to transfer funds to their bank accounts. Transfers done before 11.30am, will arrive in their account on the same day at 4pm.

Quality Service

Unlike many banks, St. Raphael's welcomes our members into the branch where you'll be greeted by people instead of machines.

Dividend on Savings

We pay an attractive dividend on members’ savings annually, which are also placed in our Life Insurance scheme, offering a free insurance system on your savings.

Not for profit

St. Raphael's is owned by you and governed by a volunteer board, elected by members.

Frequently asked questions

Can I open an account for a child?

Yes – your children are entitled to join the credit union if they fall within our common bond. We welcome all your family members and encourage all our younger members to open an account and avail of the many benefits on offer. Please provide a birth certificate or a passport along with their PPS number for every child. Please note that we will also need photographic ID and address verification for the parent/guardian opening the account.

What is the Common Bond

The common bond is the factor which unites all the members of our credit union – it is what we all have in common. Our common bond covers: